Vikrant Sabne & Associates is a Mumbai-based law firm committed to providing strategic legal solutions, strong representation, and client-focused guidance. With deep expertise across diverse practice areas, we work with integrity and precision to safeguard your interests and achieve results.

SARFAESI & Debt Recovery

Strategic Enforcement for Creditors

Debt recovery in today’s financial environment is more than just issuing notices — it requires a strategic, law-backed plan that withstands borrower resistance and legal scrutiny. The SARFAESI Act, 2002 empowers secured creditors to recover dues without court intervention, but its application demands technical precision and strong advocacy before Debt Recovery Tribunals (DRT) and Debt Recovery Appellate Tribunals (DRAT).

At Vikrant Sabne & Associates, we represent leading banks, NBFCs, and financial institutions in securing and realising their interests swiftly. Our approach is proactive — we anticipate borrower objections, manage procedural timelines with discipline, and ensure that each enforcement step aligns with statutory requirements to avoid costly delays.

We provide complete representation including:

  • Drafting & issuing Section 13(2) demand notices.

  • Handling objections & replies under Section 13(3A).

  • Securing possession of assets under Section 13(4).

  • Conducting and overseeing public auctions.

  • Representing creditors before DRT/DRAT.

Our team also navigates complex borrower strategies such as parallel litigation, stay applications, and challenges to possession. We work not only as litigators but as strategic recovery partners, helping clients maximise realisation while preserving compliance integrity.

In financial recovery, timing is everything. With us, creditors gain an ally who moves fast, foresees obstacles, and ensures their legal rights are exercised to the fullest.

Need assistance? Our team is here to help. Email us at info@vsalaws.com and we’ll get back to you promptly.

Your secured interest is an asset — let us protect it with expertise and urgency.
Proudly Serving
PIRAMAL FINANCE
AXIS BANK
YES BANK
IDFC FIRST
TATA CAPITAL
SHRIRAM
MUTHOOTH
HDFC BANK
MAGMA
Fullerton
F CAPITAL
HINDUJA
NEOGROWTH